CCSI 403(B) RETIREMENT PLAN Investment Options
Available Funds in CCSI 403(B) RETIREMENT PLAN
Below is the lineup of investment options available to participants in CCSI 403(B) RETIREMENT PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| LVIP SSGA S&P 500 Index Separate Accounts |
| Fidelity Growth Portfolio Separate Accounts |
| AB VPS Large CAP Growth Port Separate Accounts |
| American Funds Growth Fund Separate Accounts |
| LVIP T. Rowe Price Structured Separate Accounts |
| LVIP Baron Grth Opportunities Separate Accounts |
| T.Rowe Price INTL Stock Separate Accounts |
| Fidelity ContraFund Portfolio Separate Accounts |
| American Funds Growth-Income Separate Accounts |
| Delaware VIP Small Cap Value Separate Accounts |
| Fidelity Asset Manager Separate Accounts |
| NB Amt Sustainable Eq Port Separate Accounts |
| LVIP Delaware Smid Cap Core Fund Separate Accounts |
| LVIP SSGA Small Cap Index Separate Accounts |
| LVIP Delaware Dvrs Income Fund Separate Accounts |
| Balance forward |
| Balance from previous page |
| Janus Henderson Global Research Separate Accounts |
| LVIP Delaware REIT Fund Separate Accounts |
| American Funds International Separate Accounts |
| Lincoln VP Social Awareness Separate Accounts |
| AB VPS Global Thematic Growth Separate Accounts |
| LVIP Blended LC Growth Mngd Vol Separate Accounts |
| American Century VP Balanced Separate Accounts |
| LVIP Delaware High Yield Fund Separate Accounts |
| American Funds Global Growth Separate Accounts |
| LVIP Global Moderate Allocation Mr Separate Accounts |
| LVIP Dimensional US Core Equity Separate Accounts |
| LVIP Blackrock Global Alloc Separate Accounts |
| LVIP Global Growth Allocation Mr Separate Accounts |
| LVIP BR Inflation Protected Separate Accounts |
| Capital Preservation Account Guaranteed Interest Contract |
| and maturing at various dates through September 2029 |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in CCSI 403(B) RETIREMENT PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
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